What is Medicare?

Medicare is a federal health insurance program primarily for people who are 65 or older. It also covers certain younger people with disabilities and those with End-Stage Renal Disease (ESRD), which is permanent kidney failure requiring dialysis or a transplant.

Parts of Medicare:

  1. Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
  2. Part B (Medical Insurance): Covers certain doctor’s services, outpatient care, medical supplies, and preventive services.
  3. Part D (Prescription Drug Coverage): Adds prescription drug coverage to Original Medicare. These plans are offered by insurance companies and other private companies approved by Medicare.

Medicare Supplement Plans (Medigap)

Original Medicare covers many healthcare services and supplies, but it doesn’t pay all the healthcare costs. Medicare Supplement Plans, also known as Medigap plans, help fill the “gaps” in Original Medicare coverage. They are offered by private companies and pay for the portion of Medicare approved care that Medicare does not pay for (such as deductible, co-pays and coinsurance.)

At Bick Insurance Consultants we assist our clients through the entire Medicare process. We begin with educating our clients on how Medicare works, we explain all options, we walk the client through the enrollment process, and we help our clients select the best prescription drug plan that allows them to get their medications at the lowest cost.

Understanding your Medicare options is essential for making informed decisions about your healthcare coverage. If you have questions or need assistance in choosing the right plan for your needs, consider consulting with a Medicare specialist from Bick Insurance Consultants. We have over 30 years of experience in the health insurance industry.

What Original Medicare Part A & B Covers?

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